Latest Info

CEA Condominium Policy

Source: CEA

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Information on the CEA Condominium Policy

On this page you can download a sample of the policy,

NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

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This chart shows provides a coverage comparison of the following NFIP policies. 

The Three Policy Forms 
There are three policy forms – Dwelling Form, the General Property Form, and the 
Residential Condominium Building Association Policy. Each is used to insure a different type 
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause, 
Reformation of Coverage) that are unique to flood insurance.
 

source: NFIP

CEA Renters Policy

California Earthquake Authority Renters Policy

CADO Admin
Subject: CEA Renters Policy
Description: California Earthquake Authority Renters Policy
Current Edition: BEQ-4B (01-2016 edition)

Excerpt;
This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of
California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.

CEA Homeowners Policy

CADO Admin
Info from the CEA website

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:

 

  1. Homeowne​rs Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  2. Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.
     

 

Policy: NFIP Residential Condominium Building Association Policy

CADO Admin
Subject: Policy: NFIP Residential Condominium Building Association Policy
Description

NFIP Residential Condominium Building Association Policy

Quote From FEMA "The Residential Condominium Building Association Policy Form may be issued to condominium associations to insure eligible residential condominium buildings.

In participating NFIP Regular Program* communities only, provides building coverage and, if desired, coverage of commonly owned contents for residential condominium building with 75% or more of its total floor area in residential use.

*Regular Program - The final phase of a community's participation in the National Flood Insurance Program. In this phase, a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Act.

**Emergency Program -The initial phase of a community's participation in the National Flood Insurance Program. During this phase, only limited amounts of insurance are available under the Act."

Related Filef144rcbap_0809

Policy: General Property Form

CADO Admin
Subject: Policy: General Property Form
Description

NFIP General Property Form

Quote from FEMA; 

 

 

The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the RCBAP.

In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:

  • Hotel or motel with normal guest occupancy of 6 months or more;
  • Apartment building;
  • Residential cooperative building;
  • Dormitory;
  • Assisted-living facility.

And non-residential risks:

  • Shop, restaurant, or other business;
  • Mercantile building;
  • Grain bin, silo, or other farm building;
  • Agricultural or industrial processing facility;
  • Factory;
  • Warehouse;
  • Poolhouse, clubhouse, or other recreational building;
  • House of worship;
  • School;
  • Hotel or motel with normal guest occupancy of less than 6 months;
  • Licensed bed-and-breakfast inn;
  • Retail;
  • Nursing home;
  • Non-residential condominium;
  • Condominium building with less than 75% of its total floor area in residential use;
  • Detached garage;
  • Tool shed;
  • Stock, inventory, or other commercial contents.

Policy: NFIP Dwelling Form

CADO Admin
Subject: Policy: NFIP Dwelling Form
Description

Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes

Claim Discussions

Fire Damaged Tools
How do you handle hand tools (craftsman brand) with lifetime warranty, damaged by a fire?  How do you dep, these items?  It seems to me that in theroy that they never ware out.

Posted: 08/02/2010 6:40 AM
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quick question
 Can anybody tell me if insulation in the crawlspace would be covered (ACV\RCV?), building is a prefirm building. Thanks

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At my last NFIP certification class the instructor mentioned something about floods that are related to fires, he flashed something on the screen, maybe it was a new rule or guideline and he seemed to say something to the effect that nobody knows or ever heard of such a thing so let's go to the next

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HO-8 policy
i am handling a claim where the insured had roof damage. The exterior is made of comp shingles. Underneath they found slate. The insureds city is requiring him to replace the roof with slate for historical issues. We paid the insured for replacing the comp shingles and slate that is considered an un

Posted: 02/13/2007 7:37 AM
Replies: 6

Baseball Size Hail - Fort Worth area
Local television is reporting baseball size hail and other damge in the following locations after the Friday evening storm: Fort Worth: 121 and Harwood and Highway 121 at Beach Street (This is also where the tornado hit), and Lake Worth Colleyville, Texas (North of DFW Airport) DFW Airport

Posted: 04/13/2007 5:36 PM
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Revised form of the Proof of Loss required use by the NFIP Direct Servicing Agent
   FEMA revised the Proof of Loss and Increased Cost of Compliance Proof of Loss forms (specimen copies attached) used by the NFIP Direct Servicing Agent. The revised forms meet the SFIP’s “sworn to” requirement by complying with 28 U.S.C. § 1746, that allows specific unsworn

Posted: 01/26/2011 2:30 AM
Replies: 0

Pilot Cat auto technical class
Anyone here been to Pilot Auto Technical School in Dallas. Its an 8 day school. im going june 7 thru 14.Thanks for any reply.

Posted: 06/02/2010 5:05 PM
Replies: 6

Table Top Settlements
This is how dwelling claims were settled 50 years ago and brought back one or more times in the last 15 years. I have called several people working on storm losses and branch assist for all the large carriers and also the large vendors. I think this will stick this time and the FICUS TREE anf other

Posted: 06/19/2009 7:45 PM
Replies: 22

About the Earthquake Forum
The earthquake forum is for discussions of topics related to the handling of earthquake claims and earthquake policies. Here are some related links: Earthquakes: Risk and Insurance Issues  California Earthquake Authority (CEA) Information on the homeowners policy Information o

Posted: 10/15/2006 5:28 PM
Replies: 0

ATEC National Flood Services Certification ?????
NADO, ATEC (Adjuster Training and Education Centers) is advertising a certification requirement class for National Flood Services* this year. (www.atecgroup.org) along with some other carriers.  I've contacted vendors working claims regularly for NFS and they were not aware of any such requirem

Posted: 01/22/2011 7:25 AM
Replies: 11